. >> so think they're on a pr mission here to educate people or draw attention to this issue because they're worried about the impact it will have on their business. >> absolutely. they're brilliant men and it for jamie dimon to mention a war room and for mr. blankfein to host that event and articulating -- the convexity is phenomenal. if they were to work out a deal and somehow give everybody some visibility for 2013, the up side for the financials is really dramatic. but on the other side of the coin, the payroll tax cut alone, it that goes away that's 1% of disposable income. in my lifetime, you have very rare points in time where 9 consumer can be impacted by gist one point of the fiscal cliff. consumer can be impacted by gist one point of the fiscal cliff. >> so the trouble with obviously it would be great broadly speaking or for markets to let all of these measures -- to kick the can down road, but the flip side of the coin being the risks that that potentially raises or the concern that would raise in circles about the debt levels that we have here in the u.s. >> i've been blo